Call reports 2001
RELIANCE BANK — 2001
What RELIANCE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 89,215,000 | 112,870,000 | 135,251,000 | 134,808,000 |
| Total loans | 44,342,000 | 45,601,000 | 62,148,000 | 71,528,000 |
| Allowance for loan losses | 455,000 | 515,000 | 625,000 | 750,000 |
| Securities available for sale | 39,820,000 | 55,783,000 | 67,761,000 | 56,951,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,508,000 | 84,834,000 | 104,872,000 | 100,904,000 |
| Interest-bearing deposits | 60,963,000 | 80,598,000 | 100,814,000 | 96,608,000 |
| Noninterest-bearing deposits | 3,545,000 | 4,236,000 | 4,057,000 | 4,296,000 |
| Equity capital | 13,139,000 | 13,178,000 | 13,589,000 | 13,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,665,000 | 3,339,000 | 5,284,000 | 7,118,000 |
| Interest expense | 1,075,000 | 2,205,000 | 3,481,000 | 4,677,000 |
| Net interest income | 590,000 | 1,134,000 | 1,803,000 | 2,441,000 |
| Noninterest income | 8,000 | 62,000 | 95,000 | 139,000 |
| Noninterest expense | 453,000 | 905,000 | 1,396,000 | 1,882,000 |
| Provision for loan losses | 65,000 | 125,000 | 235,000 | 360,000 |
| Pretax income | 80,000 | 166,000 | 479,000 | 543,000 |
| Income tax | 28,000 | 59,000 | 167,000 | 97,000 |
| Net income | 52,000 | 107,000 | 312,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,681,000 | 12,736,000 | 12,941,000 | 13,075,000 |
| Total capital | 13,136,000 | 13,251,000 | 13,566,000 | 13,825,000 |
| Risk-weighted assets | 52,864,000 | 60,336,000 | 79,371,000 | 81,281,000 |